Real Estate Finance

Understanding real estate finance law

Real estate finance goes beyond the simple exchange of property for capital. The lender will check that everything is in order, including the property’s title and planning status, before agreeing to advance the money. If the property is let, it will also look at the tenant’s creditworthiness, rent payment history and the terms of the lease.

There may also be complex warranties to put in place, especially if the property is being developed and construction standards are a condition of the loan.

This is not a not a straightforward process. However, our experienced commercial property solicitors can help you negotiate fair and robust documentation that protects your interests. We offer end-to-end support that focuses on:

• Real estate due diligence
• Matters that affect the bank’s security
• Structuring the transaction in a way that is acceptable to both parties
• Negotiating documents that work for you and your business

Our real estate finance services

Our commercial property finance lawyers help companies, developers, banks and financial institutions balance the legal and commercial risks when a loan is secured against real estate. We can help with:

• Acquisition finance secured against commercial property
• Development and project finance
• Bridging loans
• Due diligence and compliance
• Lending against property portfolios
• Construction finance
• Refinancing existing commercial properties
• Alternative or complex loan structures
• Priority arrangements
• Financial documentation, including facility, letters, debentures and personal guarantees

Our services related to real estate finance law

The real estate finance team at Osbornes is made up of friendly lawyers who are exceptionally experienced in the full range of commercial property advice, including:

• Property development – Advice on development projects, from small residential estates to large-scale, mixed-use developments
• Property investment – Advising property investment transactions, from single-lease properties to multi-let portfolios
• Commercial conveyancing – We advise buyers and sellers of commercial real estate such as shops, offices, restaurants, hotels, gyms factories and warehouses,
• Commercial leases – Agreements between landlords and businesses for renting commercial property.
• Lease management – Including assignments, subleases, commercial lease renewals, licences for alterations, rent reviews and dilapidation claims
• Commercial property litigation – Practical advice to landlords and tenants on all types of commercial property disputes
• Deed of variation for leases – Enabling landlords and tenants to change the terms of a commercial lease
• Rights of way easements, rights for utilities and other easements

Why choose our real estate finance lawyers?

Our commercial property finance solicitors understand the underlying real estate issues and the way that commercial real estate transactions are structured. We translate that knowledge into legal documents that work for all parties. We understand that commercial property finance is a complex area of law, and we have the experience to guide you through every step of the process.

Our team is on the panel for numerous commercial lenders. This means we are able to act on behalf of the borrower and the lender if the lender is agreeable, which goes a long way to preventing any last-minute delays or renegotiation of terms.

If our commercial property solicitors are already helping you with the commercial conveyancing, it puts us in an excellent position to handle the finance as we have the information on file already. In any event, you’ll receive clear and proactive advice that meets your timescales and keeps your deal on track.

To find out more about our commercial property finance services, either call us on 020 4502 7487 or fill out our contact form and we’ll be happy to call you back. Or visit our London offices in Camden or Hampstead to have a face-to-face meeting with our commercial property experts.